UPDATE: Getting Help For Declined Costco Citi Card Ends With An Impersonator On The Other Side Of The Call
I went to the Milpitas Citibank, and I was allowed to make a call from their office phones. The passphrase was not enough to identify myself; I could give him the last 6 numbers of my checking account
Last Monday, April 14, 2025, I walked into the Citibank located in Milpitas California. I told a teller that my Costco Citi Credit Card wasn't working. After she told me she could not help me with that, she advised me to call the phone number in the back of the card. I explained to her, that I am a target of persistent hacking, and that I am utterly unable to speak to real customer service reps using my phone or any computing device I interact with. To help her understand the gravity of my situation, I described my last experience trying to disconnect my internet service through a customer service call.
Last January, when I called Cox's customer service, a cable internet service provider in Las Vegas, the representative made me aware that service contracts were annual, and that unless I scheduled to disconnect the service 30 days prior to the renewal date, these contracts auto renew in perpetuity. If I wanted to disconnect the service at this time, I would have to pay over $700. I was taken aback, became frustrated, and said I would disconnect the service now but pay whatever balance later. He advised me to let another person take over the account as a way to avoid this burden; he said this was a common practice.
I reiterated I wanted the service disconnected at that time, and that I would take care of whatever remaining balance later. He put me on hold for a few minutes, and when he got back to our call, he offered me a discount his manager had authorized; if I paid the balance during the call I would only pay a little over $300. I said no, and again, I asked him to disconnect the service, and that I did not authorize any charges to be made to my credit card at that time. He relented and said my service would be disconnected, and I would get an email with the final $7XX bill. I didn’t check for this email, and I intended to take care of the balance sometime in the future. At that moment, my priority was to move out of Las Vegas.
The patient teller kept listening, so I continued:
Just a couple of days ago, I got an email from Cox notifying me that my monthly bill was ready. In other words, the service is active, and I believe the person I spoke to when I tried to disconnect it was an impersonator. This is why I don’t want to call the customer service phone number in the back of the card.
After she spoke to her manager, she told me that I could make the call from their phone and led me to one of their offices (they are very nice fishbowl like offices). We sat, and through the phone that was on the desk, she initiated the call and then walked away. Once I was talking to a rep, he asked me for the passphrase I had set for the card, and I said it to him. He then told me that he needed further verification and would send me a text with a code which then I had to tell him. I explained I did not carry a cell phone with me. He said I could give him the last six digits of the checking account with which I pay the credit card.
This felt abnormal, because never in the thirty years I have been banking was I asked to say the last six digits of my checking account as a way to verify my identity. I decided there was something wrong with this request and refused to give this information. Instead, I proposed that I could make a card payment right there in the branch, and call them back to give this amount as a form of verification; he said no and offered to send me a letter with a reference number that I could then use to identify myself. I said no and ended the call.
I walked up to the same teller and told her the rep over the phone could not help me, and I asked to speak to the manager. As I waited, a man walked away from one of the offices, and the banker that had been attending him said to another banker something to the effect that it was a "shame" he would have to come back later because they had been unable to view his "email." She said it was a “shame the app was down.”
This made me think the man that had just walked away may have carried a phone that could hack into the branch's network and divert the call I had made through what I though was a landline, but which may have actually been a voice over IP (I think this calls are easier to hack). I wondered if calling now I could get a real customer service. So I called the Costco Citi Credit Card number again. A different rep answered, and after I provided my passphrase, he said something to the effect that a lock had been placed on the account until I called back with the reference number of the letter that had been mailed to me. He said if he could verify me through a phone text, he could access the account. Again, I ended the call. What the fuck is the passphrase for? I wondered.
I need to take a step back, and state that here in San Jose, a couple of unopened envelopes were stolen from my van between February 12th, 2025, and March 27th, 2025. One of the envelopes had a Citibank ATM card, and the other had the PIN to that ATM card. Although I received these envelopes long ago, I never opened them because my intention was not to withdraw any money from the corresponding account. However, once in San Jose California, I was looking for a police report I made when my passport and other documents were stolen, and saw the unopened envelopes. These had been safe there for years, and I figure if I left them there again, they would be safer than if I carried them on my purse. So I put them back in the bag along with the rest of the pile. However, in early March, a relative told me they had gotten a letter about the annual payment of a safety box, and I thought perhaps the money associated with the account from which the payments were withdrawn had ran out, so now I wanted to use the never used ATM to check the balance. But on March 27th, when I looked for it, they were gone.
As the Costco Citi Credit card stopped working, I thought perhaps those who persecute me stole the ATM and the PIN, and now they could disable me from using Citi related banking tools.
So back in the Milpitas Citibank branch, when the manager came to help me, I told her that an ATM card and its corresponding PIN number, which both had been left in unopened envelopes in my van, had been stolen. And a few days before, I started to have problems with my Costco Citi card. Then I described how the rep over the phone had asked for the last six numbers of my checking account, and I had been terrified to give this information over phone because every call I make seems to end up with an impersonator. I am practically unable to make bona fide calls.
We walked to her office and through her office phone, she called a service that I think is intended for bank employees only. After some transfers, we ended up talking to a manager or supervisor (somebody who could verify the address to which the so-called refence letter was addressed to).
Given that I was at a bank, and the branch's manager had verified me through the driver license, an ATM for another account, and the Costco Credit Card, he agreed to verify me through my giving the number of one of the accounts, so I did (not the checking account). He told me a fraud alert on the Costco Citi Card had been caused by returned correspondence. He said he would stop the reference letter and offered to mail me another Costco card. I was taken aback by the offer and wondered why would there be a need to send me a different card. All along the trouble had been the verification of my identity on top of my saying my passphrase. And according to what he said, the card had been locked due to a fraud alert. It is at this moment that things started to go wrong with this call.
I said I did not want a new card. The supervisor then asked me if I wanted to add an email to my account because there was none associated with this card. But in my hand, I had the notes I wrote when I applied for the card and I could clearly read the email I entered in the application I submitted through the iPad the Costco customer service desk had set up for applications. It was at this moment, having had a very similar experience when I first realized that my calls were diverted to impersonators during a call to Cox billing (not the call I described before, but an earlier one), that I knew I was talking to an agent for the government. I responded there should be an email associated with the card, and no matter what he saw on the records, I did not want to make any changes. We hanged up.
I told the branch manager the last bit of the conversation I had with the man and showed her the wrinkled old piece of paper in which I wrote the information when I applied for the card. We wrapped things up, and I felt and expressed gratitude to the manager of the branch; she had exceeded my expectations. After I left, I went to a gas station and was able to pay with the Costco Citi card.
I know the so-called "customer service manager" or "customer service supervisor" that "verified me" is an agent for the government because I KNOW there is an email associated with this credit card, and more importantly, because I after seven years of their disrupting harassment and persistent hacking I am familiar with their "modus operandi." It was until April 19, 2024, when I called Cox Cable Internet billing department that I finally realized the odd feeling I got every time I called a phone company, my bank, or a device’s insurance company was justified. I was unable to speak to bona-fide customer service agents, and for a while now I had been talking to impersonators. All calls felt odd, and often pressed me or demanded unusual things from me. During this particular call to Cox, I wanted to handle the unexplained unenrollment from their Easypay form of payment and to pay what had become a past due bill and the disconnection of the service.
During this call, the representative was adamant that there was not an email associated with my account, but there was. And again, I have to take a step back to explain that since 2020, when I realized I was persistently hacked no matter what I did, I started to lapse my use of email, phone, and online banking, more and more. So when I called Cox on April 19, 2024, I had not checked my email recently, and I was unaware that a few days earlier I had gotten an email with the notification about the unenrollment from Easypay. I had learned about this when I got my actual mail (the mail that arrives through the postal service). Here, I also share an image version of that email. What I am trying to establish, is that the Cox account had an email associated with it, and the person I spoke to lied, and this is how I know this mother fucker was an impersonator. Worst yet, this fucking piece of shit kept saying there was no email associated with my account in the same fashion that the man on the call that was made by the manager of the Milpitas Citibank branch through her office’s phone did it. Both were adamant that there was no email associated with the accounts. Except the Costco Citi card supervisor was taunting me with the offer of a card replacement.
I was not able to record the call to the Costco Citi phone number, but I recorded the calls to Cox. And I am sharing these here. I have to make a parenthesis to explain, why this call is not edited to beep out confidential information.
Right now, I am in San Jose California, using the computers in the Martin Luther King library, and yesterday when I was trying to edit the audio files of the recorded calls, I was disabled from doing it in many ways.
First, the “audio file editor online” internet search results was limited to what the hackers want me to see. In other words, for a while now I have no access to unfiltered internet search results.
Second, the "hackers" kept taking control of the Chrome tab that I was working with. IN other words, no matter what precautions and settings I configure on the browser, the hackers take control of any window that loads JavaScript. In fact, the Chrome browser itself, although it states is version 136, lacks functionality I once could take advantage of. One example is the devtools drawer main menu does not work. The three dots through which I should be able to configure the placement of the devtools, the bottom , right, or left of the window. The three dotted menu does nothing when I click it. For those readers who are thinking I should have looked for a solution on Google, let me tell you that has happened in the past in similar situations. I would likely get results that misinform me the feature has been deprecated (that is what happened when I was looking for information about VirusTotal.com URL submissions' behavior tab, which now I am supposed to click before I can navigate to the corresponding SHA256 file’s html report). What I am trying to convey, is that this persistent hacking is grave, and more destructive than an average person might think it is. In fact, it is life living disabling. I ask that you reflect on the implications of the persistent corralling from reality; misinformation takes many forms, and what is presented to me through technology is all encompassing and pervasive.
OK, continuing with why I was unable to sanitize the call recordings I am sharing, when I surrendered to the information I had gotten through the internet search, the so-called online applications would not work; I tried at least 10 different web apps. When I tried to upload the call's audio file, more than one explorer window would open. After I figured how to upload the file, another explorer window would stay opened, and I could not select the window to close through Ctrl + W, and I have to stick to the keyboard or operation worsens. This is so bad, you would need to be subjected to it to appreciate and comprehend you have been utterly disabled through this alternate medium of living that we do with technology.
So back to the Cox call where the impersonator assured me there was no email associated with my account. That afternoon I went back to FeDex, and using one of their workstations (they claim these are secure; but this is where I had made the call from. I have limited options and this was the best one) I logged into the Cox online account, which is what I had been trying to avoid. Then, I saw that TWO emails were associated with my account. The amount was still appeared due, so I made the payment and again enrolled in Easypay. Well, a few days later I got another email notification that I had been unenrolled. Here I also share the image version of this notification.
In January 2025, when I tried to cancel the Cox Cable internet service I have been disabled from using the service for two years. This is the call I first described to the Milpitas Citibank teller. I also sharing this call here.
These COWARDS ARE BRUTAL thanks to technology. I pray they become subjected to the very crimes they perpetrate.
EMAIL I RECEIVED FROM COX BEFORE I CALLED CUSTOMER SERVICE
RECORDED CALL MADE ON APRIL 19, 2024, TO COX TRYING TO PAY AND REENROLLED ON EASYPAY
EMAIL I RECEIVED FROM COX AFTER EASY PAY ENROLLLMENT ON APRIL 19, 2024. SOMEBODY OTHER THAN ME UNENROLLING ME.
RECORDED CALL TO COX MADE ON JANUARY, 2025 TO DISCONNECT SERVICES
EMAIL NOTIFICATION FROM COX SENT ON FEBRUARY 2025, MY BILL IS READY. THE SERVICE IS STILL CONNECTED
These fucking worthless pieces of shit are a network of criminals, who I believe are working for a government agency, for Credit One Bank and Intelligent Technical Solutions in Las Vegas (the latter may be doing the hacking work for the state of Nevada). I hoped that things would go better in California, but I was wrong.
QUESTIONS
Are criminals able to hack what we call a landline from a bank's branch at will?
If I am correct and a government agency (local, state or federal) has contractors working to oppress me, is it legal to impersonate customer representatives when I am trying to manage my personal affairs?
Are these "Chinese" hackers (wink wink) who speak perfect English? Could these be "Iranian"? "Korean"? Maybe these are Narco terrorist from Mexico? Could these be Martians? Certainly they are not Venusians.
On May 2024 after I could not speak to somebody at the FBI Las Vegas field office in person, I mailed them another long letter (the 3rd one). In this letter, I listed some of the crimes that have been perpetrated against me. This was a 23 page letter, with a 72 page appendix of evidence, and a DVD with videos and audio recordings of this fuckery. I got no help. When I went back last January, Nate, the man whom I spoke through the glass and an apparent MALFUNCTIONING microphone, said they needed to look into it. This time, I had in my hand, and showed him, a new iPhone which had been hacked during eSim activation, and which by cheer luck, had a secondary operating system encapsulated on the main one, and appeared to be ready to gaslight me the moment I unlocked it. You can view the video I took of this iPhone here: https://cybertrapped.substack.com/p/hacked-iphone-15-encapsulated-ios
Here you can view a video I took of an Android. The video shows, how after a factory reset, the first call I make to the IRS is answered by bone-fide auto answering service, and the second call is answered by hackers’ prerecorded shitty robot: https://cybertrapped.substack.com/p/hacked-android-i-show-how-after-factory
Once I am living in the streets I will dedicate more time to writing. So if you want a true account of a person who has become a target of a disablement campaign, very likely by the government through their minions, check this Substack for updates. I promise to write the truth of the experience no matter how tedious, embarrassing, humiliating, and provoking.
A short give away of the next post: I ordered some technology textbooks to be delivered to a local postal office here in San Jose. I got all books, except the Cybersecurity one. After I reached out to the vendor through the abebooks.com website, I got a direct email telling me something to the effect that the USPS office stated "Moved, Left no Address." I just got this mail box!!! Is the USPS cooperating in this conspiracy against my rights? Until then...